a summary of the current DC account balance, DB
benefit projection and Social Security estimate

an estimate of the total monthly benefit at age
65

an illustration of the current income replacement
ratio, pointing out potential gaps

a projected growth of total monthly benefit depending
on retirement date.

The new annual statements will be introduced throughout
2001 beginning in January to the more than 70 clients who
have both their defined contribution (DC) and defined
benefit (DB) plans administered by MassMutual Retirement
Services.

The new statements are available in addition to the
DC/DB statements currently produced for plan
participants.

The new total retirement statement has received the
DALBAR Seal for Communications, the first ever awarded to a
total retirement statement.

In October, MassMutual Retirement Services received
DALBAR’s Seal for Communications for its defined benefit
(DB) statement, the first ever awarded to a defined benefit
statement.